wiseradvisor

Les H Kern
Les H. Kern IAR CRFA LUTCF

Tel: (800) 793-8884
2306 Wrightsville Ave
#201
Wilmington, NC 28403

We help educate clients about retirement

Les H. Kern  IAR CRFA LUTCF | Financial Advisor in Wilmington ,NC


About Les H. Kern IAR CRFA LUTCF

History teaches us that Holding onto equity assets rotating on a relative strength basis produces the best long term wealth building. The more history you are aware of, the more this becomes critically apparent. We believe that while it is important to choose investments with a strategy. We teach clients that to get the best return, their portfolios cannot go backwards. We recommend investments with well-defined sell strategies that we believe will weather downturns efficiently. The bottom line: We try to avoid loss whenever possible. Les H. Kern is an Investment Advisor, of a wealth management firm of D.H. Hill Advisors that is committed to helping clients get to retirement and to help provide a sound retirement income they cannot outlive. As a true independent advisor our customized programs are designed to protect, conserve and grow our client's wealth by sound income strategies with investments that deliver an unprecedented level of income with services.


General Information

Firm Start Year:   1982
No.of Employees:   1
Insurance License#:   yes
Name of Custodial Firm:   Schwab, TD, thru Belpointe Asset Management
States Licensed in:   NC , SC, FL , MI, MO, TN
Number of Years with Current Firm:   4
Work Experience:   different schools and school at the broker dealer I went to.
I work with the following types of clients:   Individual Investors, Businesses, Non-Profit Organizations

Services

Investment Types:   Income strategies, Mutual Funds, Bonds, Stocks, Annuities, Insurance, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI)
I can meet clients in the following ways:   Via email, At your home, At my office, Via phone, At your office, Video Conference


Qualifications & Memberships

Insurance and Annuity Licenses:   Disability, Property, Casualty, Accident, Annuity, Health, Life, Variable Annuity, Long Term Care, Variable Life
Financial Organization Memberships:   A.D.I.S.A.
Non-Financial Organization Memberships:   ADISA currently has more than 4,500 members from across the country in various alternative investments professions including attorneys, CPAs, broker-dealers, sponsors, lenders, mortgage brokers, qualified intermediaries, real estate agents, registered investment advisors and registered representatives. Association...Advisor Academy thru David Scranton CLU,ChFC,CFP,CFA,MISFS


Firm Information

Firm's Number of Clients:   70
Firm's Number of Planning Clients:   25
Firm's Number of Managed Clients:   1000
Assets Managed by Firm:   100,000,000
Advisor's Number of Clients:   80
Advisor's Number of Managed Clients:   50
Advisor's Number of Planning Clients:   70
Assets Managed by Advisor:   $20,000,000


Compliance

Registered Representative:   Yes
Investment Advisor Representative:   Yes
I am an acknowledged fiduciary:   Yes
Compliance Disclosures in Last 5 years:   I have a clean record
Criminal Disclosures in Last 5 years:   I have a clean record


Compensation and Fees

Fee Structure:   Fee-Based
Compensation Methods:   Commissions, Based on Assets, Hourly, Flat Fee
Fee % Based on Assets:   .25. to 1%
Additional Details on Charges:   No signup fees period minimum for managed accounts varies on what a client needs. Let's talk about what I can or can not do and if I am a fit for you first.
Minimum Fee Charged for Managed Accounts:   1/4 of1% managed acc


Education

Wealth Intelligence Academy - Master Trader- Advance Covered Calls  Wealth Intelligence Academy - Salt Lake City, UT
12/2003- 1/2004

on going classes - Investment,financial planning, and client service  Advisors Academy - Ft Lauerdale , FL
10/12/2013- 12/18/2013

Classes-no degrees - Wealth Transfer Deferred Sales Trust  none.... passed exam - Wilmington, NC
3/1/2017- 3/31/2017

Teaching classes - Pro-Bono Teaching to education the Public  none-thru ACEF - Howell, MI
5/1/2006- 5/1/2007

Series 24 - Compliance & Supervision   none.... passed exam - Lansing MI
3/1/2010- 9/1/2010

Monthly Classes - Financial Planning  Sigma Financial Corp - Ann Arbor, MI
2/15/1989- 9/13/2006

CRFA - Retirement Planning for Seniors   Classes and. passed exam - Atlanta, GA
6/15/2005- 6/20/2005

L.U.T.C.F - Insurance  Private classes - Flint MI
1/10/1990-3/1/1990

A.D.I.S.A. - on going education  classes - diferant locations around the U.S.
10/2009-10/2020



Faqs

  • Do you have a customer satisfaction or refund policy? for the fee based accounts and there are no up front charges on others. Which means you only stay if I do well.
  • What are your qualifications? What is your education background? started some classes at MI state and Lansing Community College but my LinkedIn profile has it all experience and licenses
  • What is your approach to financial planning? needs based by talking with client to see what best for them and appropriate for them. If it would be performance based or purpose based investing.
  • What services do you offer? it would depend on the client in what they need. Serving the client by answering questions to help understand the pro's and con's of what they want to accomplish.
  • How many clients do you currently manage? As I branded my clients to a broker dealer early in my career, I started over 5.5 years ago and so today about 50. I don't put on everyone I meet.
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Disclosures

Advisory Services offered through D.H.Hill Advisors, Inc.,A SEC Registered Investment Advisor Securities offered through D.H. Hill Securities,LLLP Member FINRA/SIPC


Disclaimer

Advisory thru D.H. Hill Advisor Inc. A Registered Investment Advisor which is a fee only fiduciary

Les H Kern

Les H Kern

CRFA, LUTCF®, LUTCF

I am an Investment Advisor, Financial Advisor & Wealth Advisor of wealth management firm that is committed to listening and helping individuals investors to achieve their goals to get to or in retirement. If you need is to know how to go from accumulation to income for retirement. I operate as FIDUCIARIES so we are ethically and legally required to invest our client assets in their best interest. To help provide a sound retirement safely they cannot outlive. I'll design a portfolio to protect, conserve, and grow a client's wealth or to give income. I meet with my clients on a regular in-person or Zoom video and promptly returning their phone calls. You will discover the safe, easy way to get results. My mission is, "Collaborate and communicate with clients often to ensure they are being managed with a single voice and vision "Develop new relationships and build on existing relationships with clients and Investment Firms "Use consultative advising to identify the best solution for clients based on risk tolerance and goals "Provide timely resources to help clients and grow their business, maintain clients assets with advanced planning strategies and effectively communicate market updates and investment solutions for clients "Analyze market events, provide perspective, to aide in portfolio construction In doing so, I will deal with integrity and honesty, reflecting that people that are more important than dollars and that my purpose is to bring credit to our Lord Jesus Christ

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My Services

Financial Advice & Consulting

Being the fiduciary has always come first with me. I am expressing more interest in communicating with clients through methods such as phone, video conferencing, and email...Please lets video conference! Today's market makes this a mandatory thing under the dept. of Labor. Your first meeting is FREE for me to sit down and see if we are compatible to work together


Financial Planning for Individuals

This is the beginning,something everyone should do, is a written financial plan for themselves. The road map for themselves.


Financial Planning for Businesses

For the business owner to sell his highly appreciate business and defer taxes gains thru Deferred Sales Trust or this is mostly for the owner and key employees to help them keep the business or help retain key employees.


My Team

Gary Swanon CPA
Gary Swanon CPA CPA
Novello Accountanting an (NAEA) and total accounting firm with options to help.., www.nobletaxpros.com Mary J. Nobilio, EA phone# 910-599-6315 Noble Accounting Group Individual Tax Preparation, IRS Representation, Business Tax Preparation

Greg Nagrant
Greg Nagrant Greg Nagrant accountant
Extensive experience as a Corporate Controller and Tax Preparer 1.accounting and tax services for individual and small business 2. free initial consultation up to one hour 3.reasonal rates 4.evening and weekends appointments available

Office Hours

wiseradvisor-balck-li-img Mon. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Tue. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Wed. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Thu. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Fri. 9:00 AM - 12:00 PM

Communities Served

Bolivia Burgaw
Carolina Beach Castle Hayne
Kure Beach Delco Hampstead
Leland Oak Island
Riegelwood Rocky Point
Southport Wilmington
Winnabow Wrightsville Beach
all the way to Murrells Inlet in South Carolina

Compensation Arrangements

Bank Transfer

News & Events

A.D.I. S. A
When: 10/2018
Details:Educational fall conference with ADISA 10401 North Meridian St Suite 202 Indianapolis, IN 46290 866-353-8422 adisa@adisa.org


ADISA Conference Spring 2017
When: 4/3-5/2017 | By: Les H. Kern
Location: New Orlean
Details:Learn about the latest innovations in product structure. Know what to anticipate regarding the dept of labor Fiduciary Rule. Anticipate industry and economic trends and much more

Awards & Recognitions

Awards & Recognitions
Gold Record
(6/01/1983)

for sales and service in the first six months of being with The Prudential


Awards & Recognitions
Agent of the Year
(12321/1987)

Sales and Service at Prudential


Award of Honor 1987
(12/31/1987)

North Central Academy of Leaders The Prudential


President's Trophy
(12/28/1987)

Million Dollar Round table for being in the top 10%


Awards & Recognitions
Award of Honor 1986
(12/31/1986)

North Central Academy of Leaders The Prudential


Awards & Recognitions
Award of Honor 1985
(12/31/1985)

The Prudential North Central Academy of Leaders


Award of Honor 1983
(12/31/1983)

North Central Academy of Leaders The Prudential


Awards & Recognitions
Rookie of the Year
(12/31/1983)

top agent of Michigan region

Social Networks

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